Browse > Article
http://dx.doi.org/10.5859/KAIS.2018.27.3.81

Why Smartphone Users are Not Using Mobile Banking: Focusing on the Difference between Passive Resistance and Active Resistance  

Kim, Jongki (부산대학교 경영학과)
Kim, Jiyun (부산대학교 경영학과)
Publication Information
The Journal of Information Systems / v.27, no.3, 2018 , pp. 81-102 More about this Journal
Abstract
Purpose The purpose of this study is to investigate the reason why smartphone users do not use mobile banking based on Status Quo Bias and to find out whether there is a difference between passive resistance and active resistance. Design/methodology/approach This study made a design of the research model based on Status Quo Bias. SPSS 23.0 and SmartPLS 2.0 were used for the analysis. Multiple group analysis was performed to identify differences between groups. Findings According to the empirical analysis result, this study confirmed that inertia and perceived risk affected smartphone users who do not use mobile banking. According to the type of resistance, the active resistance group(64.2%) was more than the passive resistance group(35.8%), and it was confirmed that there was a difference in the reasons for not using mobile banking between passive and active resistance group. That is, the greatest difference between passive and active resistance groups was found to be perceived risk, which is an assessment of risk.
Keywords
Mobile Banking; Active Resistance; Passive Resistance; Status Quo Bias; Inertia; Perceived Risk; Equity Implementation Model;
Citations & Related Records
Times Cited By KSCI : 2  (Citation Analysis)
연도 인용수 순위
1 Keil, M., Tan, B. C., Wei, K. K., Saarinen, T., Tuunainen, V., and Wassenaar, A., "A cross-cultural study on escalation of commitment behavior in software projects," MIS Quarterly, Vol. 24, No. 2, 2000, pp. 299-325.   DOI
2 Kim, H. and Kankanhalli, A., "Investigating user resistance to information systems implementation: a status quo bias perspective," MIS Quarterly, Vol. 33, No3, 2009, pp. 567-582.
3 Kim, H. W., Chan, H. C. and Lee, S. H., "User Resistance to Software Migration: The Case on Linux," Journal of Database Management, Vol. 25, No. 1, 2014, pp. 59-79.   DOI
4 Lapointe, L., and Rivard, S., "A multilevel model of resistance to information technology implementation," MIS Quarterly, Vol. 29, No. 3, 2005, pp. 461-491.   DOI
5 Laukkanen, T., Sinkkonen, S., and Laukkanen, P., "Communication strategies to overcome functional and psychological resistance to internet banking," International Journal of Information Management, Vol. 29, No. 2, 2009, pp. 111-118.   DOI
6 Lee, E. J., Kwon, K. N., and Schumann, D. W., "Segmenting the non-adopter category in the diffusion of internet banking," International Journal of Bank Marketing, Vol. 23, No. 5, 2005, pp. 414-437.   DOI
7 Li, Z., and Cheng, Y., "From free to fee: exploring the antecedents of consumer intention to switch to paid online content," Journal of Electronic Commerce Research, Vol. 15, No. 4, 2014, pp. 281-299.
8 박상철, "근시안적 손실회피 관점에서 본 모바일 애플리케이션 사용자의 현상유지 편향에 관한 연구," 정보시스템연구, 제24권, 제2호, 2015, pp. 189-208.
9 박종석, 권혁인, "생체인증 기술의 혁신저항 및 사용의도에 영향을 미치는 요인에 관한 연구," 정보시스템연구, 제27권, 제2호, 2018, pp. 53-75.
10 황신해, 김정군, "핀테크 지급결제 서비스 수용 저항요인 연구: 혁신저항이론과 현상유지편향이론을 중심으로," 정보시스템연구, 제27권, 제1호, 2018, pp. 133-151.
11 BS금융경영연구소, 부산시민의 스마트 금융 사용실태 조사, 2013
12 Cohen, J, "A power primer", Psychological Bulletin, Vol. 112, No. 1, 1992, pp. 155-159.   DOI
13 Barnes, W., Gartland, M., and Stack, M., "Old habits die hard: path dependency and behavioral lock-in," Journal of Economic Issues, Vol. 38, No. 2, 2004, pp. 371-377.   DOI
14 Cohen, J., Statistical Power Analysis for the Behavioral Sciences, 2nd ed., Lawrence Erlbaum, 1988.
15 Chin, W. W., "The Partial Least Squares Approach to Structural Equation Modeling," In Modern Methods for Business Research, Lawrence Erlbaum Associates, 1998, pp. 295-336.
16 Fornell, C., and Larcker, D. F., "Evaluating Structural Equation Models with Unobservable Variables and Measurement Error," Journal of Marketing Research, Vol. 18, No. 1, 1981, pp. 39-50.   DOI
17 Heidenreich, S., and Handrich, M., "What about passive innovation resistance? Investigating adoption?related behavior from a resistance perspective," Journal of Product Innovation Management, Vol. 32, No. 6, 2015, pp. 878-903.   DOI
18 Heidenreich, S., and Kraemer, T., "Passive innovation resistance: The curse of innovation? Investigating consequences for innovative consumer behavior," Journal of Economic Psychology, Vol. 51, 2015, pp. 134-151.
19 Heidenreich, S., and Spieth, P., "Why innovations fail-The case of passive and active innovation resistance," International Journal of Innovation Management, Vol. 17, No. 5, 2013, pp. 1350021.   DOI
20 Hess, T., and Hightower, R., "Using equity theory to understand user satisfaction with ERP systems: extending and advancing the equity-implementation model," International Conference on Information Systems 2002 Proceedings, 2002, pp. 737-742.
21 Hess, T., Joshi, K., and McNab, A. L., "An empirical investigation of the equity implementation model: an alternative lens for understanding technology adoption," Americas Conference on Information Systems 2007 Proceedings, 2007, pp. 1-6.
22 한국인터넷진흥원, 2017년 인터넷이용실태조사, 2018, (http://isis.kisa.or.kr).
23 김희웅, 이선영, 이동우, "정보시스템 구축시 변화에 대한 저항의 원인 연구," Entrue Journal of Information Technology, 제5권, 제2호, 2006, pp. 7-20.
24 Verplanken, B., and Aarts, H., "Habit, attitude, and planned behaviour: is habit an empty construct or an interesting case of goal-directed automaticity?," European review of social psychology, Vo.10, No. 1, 1999, pp. 101-134.   DOI
25 하나은행, 모바일 금융서비스 도입 현황 및 전망, 2010, (https://www.bok.or.kr/portal/bbs/P0000274/view.do?nttId=162948&menuNo=200730).
26 한국은행, 2016년 모바일금융서비스 이용행태조사 결과 및 시사점, 2016, (http://www.bok.or.kr/portal/bbs/B0000232/view.do?nttId=224732&menuNo=200725&pageIndex=2).
27 한국은행, 2017 지급결제보고서, 2018, (http://www.bok.or.kr/portal/bbs/P0000600/view.do?nttId=10017740&menuNo=200456&pageIndex=1).
28 Sheth, J. N., "Psychology of innovation resistance: the less developed concept," Research in Marketing, Vol. 4, No. 3, 1981, pp. 273-283.
29 DMC Report, 2016 모바일 간편 결제 서비스 이용행태, 2016, (http://www.dmcreport.co.kr/content/ReportView.php?type=Survey&id=9590&gid=10).
30 KT경제경영연구원, "모바일뱅킹" 이용 현주소-국내 금융 소비자 이용 행태 조사 분석-, 2016, (https://www.digieco.co.kr/KTFront/report/report_issue_trend_view.action?board_id=issue_trend&board_seq=11255&gubun=aa#).
31 Nielsen, Global Mobile Money Report, 2016, Retrieved August 1, 2018, Available: http://www.nielsen.com/content/dam/nielsenglobal/eu/docs/pdf/nielsen-globalmobile-money-report.pdf.
32 Poushter, J., Bishop, C., and Chwe, H., "Social Media Use Continues to Rise in Developing Countries but Plateaus Across Developed Ones," Pew Research Center, Jun 16, 2018, Retrieved August 1, 2018, Available: http://www.pewglobal.org/2018/06/19/2-smartphone-ownership-on-the-rise-in-emerging-economies/.
33 Limayem, M., Hirt, S. G., and Cheung, C. M., "How habit limits the predictive power of intention: The case of information systems continuance," MIS Quarterly, Vol. 31, No. 4, 2007, pp. 705-737.
34 Nabih, M. I., Bloem, S. G., and Poiesz, T. B., "Conceptual Issues in the Study of Innovation Adoption Behavior," Advances in Consumer Research, Vol. 24, No. 1, 1997, pp. 190-196.
35 Nunnally, J. C., and Bernstein, I. H., Psychometric Theory, 3rd ed., McGraw-Hill, 1994.
36 Polites, G. L., and Karahanna, E., "The Embeddedness of Information Systems Habits in Organizational and Individual Level Routines: Development and Disruption," MIS Quarterly, Vol. 37, No. 1, 2013, pp. 221-246.
37 Ram, S., "A model of innovation resistance," Advances in Consumer Research, Vol. 14, No. 1, 1987, pp. 208-212.
38 Ram, S., and Sheth, J. N., "Consumer resistance to innovations: the marketing problem and its solutions," Journal of Consumer Marketing, Vol. 6, No. 2, 1989, pp. 5-14.   DOI
39 Samuelson, W., and Zeckhauser, R., "Status quo bias in decision making," Journal of Risk and Uncertainty, Vol. 1, No. 1, 1988, pp. 7-59.   DOI
40 Segars, A. H., and Grover, V., "Re-examining perceived ease of use and usefulness: A confirmatory factor analysis," MIS Quarterly, Vol. 17, No. 4, 1993, pp. 517-525.   DOI
41 Hirschheim, R., and Newman, M., "Information systems and user resistance: theory and practice," The Computer Journal, Vol. 31, No. 5, 1988, pp. 398-408.   DOI
42 Sun, Y., Liu, D., Chen, S., Wu, X., Shen, X. L., and Zhang, X., "Understanding users' switching behavior of mobile instant messaging applications: An empirical study from the perspective of push-pull-mooring framework," Computers in Human Behavior, Vol. 75, 2017, pp. 727-738.
43 Talke, K., and Heidenreich, S., "How to Overcome Pro?Change Bias: Incorporating Passive and Active Innovation Resistance in Innovation Decision Models," Journal of Product Innovation Management, Vol. 31, No. 5, 2014, pp. 894-907.   DOI
44 Tenenhaus, M., Vinzi, V. E., Chatelin, Y. M., and Lauro, C., "PLS Path Modeling," Computational Statistics & Data Analysis, Vol. 48, No. 1, 2005, pp. 159-205.   DOI
45 Hsieh, P. J., "Healthcare professionals' use of health clouds: Integrating technology acceptance and status quo bias perspectives," International Journal of Medical Informatics, Vol. 84, No. 7, 2015, pp. 512-523.   DOI
46 Hsieh, P. J., and Lin, W. S., "Explaining resistance to system usage in the PharmaCloud: A view of the dual-factor model," Information & Management, Vol. 55, No. 1, 2018, pp. 51-63.   DOI
47 Joshi, K., "A model of users' perspective on change: the case of information systems technology implementation," MIS Quarterly, Vol. 15, No. 2, 1991, pp. 229-242.
48 Joshi, K., and Lauer, T. W., "Impact of information technology on users' work environment: A case of computer aided design (CAD) system implementation," Information & Management, Vol. 34, No. 6, 1998, pp. 349-360.   DOI